Tata Digital India 定投收益计算器
测算 Tata Digital India 的真实历史定投回报与复利增值。基于官方公开历史净值，回测不同定投金额、持有期限及每年递增投资效果。
基金类别
Sectoral/Thematic (Technology)
资产规模 (AUM)
₹10,322 Cr
管理费率 (Expense Ratio)
0.67%
基金经理
Meeta Shetty, Kapil Malhotra
Tata Digital India 历史定投表现及收益矩阵表
基于实际历史复合年化回报率（CAGR）测算的不同月定投金额持有收益。
| 每月定投金额 | 3 年期 @ 3.5% CAGR | 5 年期 @ 2.3% CAGR | 10 年期 @ 17.1% CAGR |
|---|---|---|---|
| ₹1,000/月 | ₹38,034 累计投入: ₹36,000 | ₹63,561 累计投入: ₹60,000 | ₹3,16,830 累计投入: ₹1,20,000 |
| ₹2,500/月 | ₹95,085 累计投入: ₹90,000 | ₹1,58,903 累计投入: ₹1,50,000 | ₹7,92,075 累计投入: ₹3,00,000 |
| ₹5,000/月 | ₹1,90,170 累计投入: ₹1,80,000 | ₹3,17,806 累计投入: ₹3,00,000 | ₹15,84,151 累计投入: ₹6,00,000 |
| ₹10,000/月 | ₹3,80,340 累计投入: ₹3,60,000 | ₹6,35,613 累计投入: ₹6,00,000 | ₹31,68,302 累计投入: ₹12,00,000 |
| ₹25,000/月 | ₹9,50,851 累计投入: ₹9,00,000 | ₹15,89,032 累计投入: ₹15,00,000 | ₹79,20,754 累计投入: ₹30,00,000 |
* 测算基于实际基金历史年化收益率。基金投资不同于银行存款，实际投资回报随二级市场净值实时波动。
关于 Tata Digital India Fund
India's largest digital and technology themed fund, investing in IT services, software, internet, telecom and digital infrastructure companies driving India's digital economy.
投资策略与运作方式
Invests across the full digital value chain — IT services (Infosys, TCS), digital consumption (Zomato), and connectivity (Bharti Airtel) — with a mix of large IT incumbents and emerging digital plays.
核心亮点与产品特征
- India's largest technology-themed fund at ₹10,200+ crore
- Blends IT services leaders with digital-consumer plays
- Benchmark: NIFTY IT TRI
- Expense ratio: 0.67% (Direct)
历史年化收益表现 (CAGR)
近3年年化
3.54%
近5年年化
2.25%
近10年年化
17.06%
业绩基准
NIFTY IT TRI
Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
前五大核心持仓与行业分布
根据最新公开披露，Tata Digital India 的核心持仓与资产配置如下：
前五大重仓资产
- Infosys
- Tata Consultancy Services
- Tech Mahindra
- Zomato
- Bharti Airtel
行业板块分布
IT services dominate (Infosys 16%, TCS 11%, Tech Mahindra 9%), with meaningful positions in digital consumption (Zomato 6%) and telecom (Bharti Airtel 5%).
风险特征与最大回撤
High volatility — annualized standard deviation ~19% — with IT services highly sensitive to US tech spending and global macros.
The fund fell ~40% in the 2020 crash, then went through a painful 2022-2025 phase as IT services de-rated, before recovering as AI-driven demand re-rating began in 2026.
交易规则与税费说明
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
哪些投资者不适合投资 Tata Digital India？
Investors who already hold heavy IT or tech exposure, or who need diversified equity returns rather than a single-sector bet.
基金经理简介
Meeta Shetty has led the fund since November 2018, joined by Kapil Malhotra since December 2023; both are CFA charterholders with deep technology-sector coverage.
适合哪些投资者？
Suitable for aggressive thematic investors with a 7+ year horizon who believe India's technology and digitization trend will compound for a decade or more.
同类别备选基金
- ICICI Prudential Technology Fund
- SBI Technology Opportunities Fund
- Nippon India Digital Fund
您也可以通过我们的 智能定投主计算器 对比多只基金，在相同定投金额与周期下直观比对历史表现。
更多定投与财务规划实用工具
- 财务自由 (FIRE) 计算器 — 规划您的提前退休与被动收入目标
- 推迟定投成本计算器 — 直观测算推迟开始定投将损失的复利财富
- 定投 vs 还贷 (SIP vs EMI) 计算器 — 科学权衡提前还房贷还是坚持基金定投
常见问题解答 (FAQ) — Tata Digital India
Tata Digital India 的历史定投回报表现如何？
根据交易所公开历史数据，Tata Digital India 近3年年化回报率为 3.54%，近5年年化为 2.25%，近10年年化为 17.06%。 Returns are illustrative based on historical performance. Actual returns may vary. Data as of August 2026. Verify with AMC before investing.
基金定投（SIP）的回报是如何计算的？
定投回报采用扩展内部收益率（XIRR）或基于真实历史月度净值的复利回测计算。在每月设定的扣款日，定投金额会按当天公布的基金份额净值（NAV）申购份额。在市场回调时自动购入更多份额、市场上涨时购入更少份额，通过时间平摊持仓成本并实现复利。
每月定投 ₹5,000，5年后大约能积累多少资产？
按年化复合回报率 2.25% 测算，每月定投 ₹5,000（5年累计投入本金 ₹3,00,000），5年后预期期末总资产约为 ₹3,17,806，预期资产增值收益约为 ₹17,806。您可以使用上方计算器输入自定义金额与年份测试。
Tata Digital India 的前几大重仓资产包含哪些？
Tata Digital India 的核心重仓包括 Infosys、Tata Consultancy Services、Tech Mahindra 等知名标的。行业配置侧重于 IT services dominate (Infosys 16%, TCS 11%, Tech Mahindra 9%), with meaningful positions in digital consumption (Zomato 6%) and telecom (Bharti Airtel 5%).。
Tata Digital India 的投资风险等级如何？
High volatility — annualized standard deviation ~19% — with IT services highly sensitive to US tech spending and global macros. 本基金可能不适合 Investors who already hold heavy IT or tech exposure, or who need diversified equity returns rather than a single-sector bet.
投资该基金有哪些税费或交易成本？
Equity fund — LTCG at 12.5% on gains above ₹1.25 lakh per year; STCG at 20%.
数据更新时间: 2026年9月 | 历史净值来自官方公开交易所行情